ANALISIS DAN VISULISASI DATA KREDIT MENGGUNAKAN METODE EXPLORATORY DATA ANALYSIS PADA BPR SANTI PALA

Ni Luh Putu Piantika; Nengah Widya Utami; Eddy Muntina Dharma

doi:10.37600/tekinkom.v8i2.2563

Ni Luh Putu Piantika Universitas Primakara
Nengah Widya Utami Universitas Primakara
Eddy Muntina Dharma Universitas Primakara

DOI: https://doi.org/10.37600/tekinkom.v8i2.2563

Abstract

Rural Banks (BPR) are financial institutions that focus on collecting public funds in the form of savings and distributing credit to micro, small, and medium enterprises (MSMEs) or individuals. BPR Santi Pala, located on Jalan Raya Darmasaba Abiansemal, Badung Regency, Bali, Indonesia, is one of the Rural Banks in Badung Regency that has experienced issues related to non-performing loans. This study aims to analyze the credit portfolio of BPR Santi Pala to support data-driven decision-making in evaluating credit performance and identifying potential risks. This research employs the Exploratory Data Analysis (EDA) method, which includes raw data collection, data structuring, preprocessing, and visual presentation using Python in Google Colab. The dataset consists of 4,587 credit records from January to December 2024. Data preprocessing was conducted through duplicate removal, handling missing values, data type formatting, and categorical adjustments. The analysis results indicate that consumer loans dominate the credit portfolio, with Denpasar and Badung identified as areas with the highest concentration of debtors. Meanwhile, non-performing loans (NPL) are concentrated among debtors with high credit ceilings, particularly in Credit Type 10 and Credit Type 39. These findings demonstrate that EDA provides a better understanding of credit distribution patterns, risk identification, and strategic decision-making.

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